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Astute Carindale

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25.01.2022 2020 was a challenging year for many, so let’s start 2021 on the right foot. Now is a good time to review your needs and set yourself up for the year with our friendly team of professionals on your side. ALL KINDS OF FINANCE Our wide range of home loan options are just the beginning. Whether you’re thinking about a new caravan for a holiday, or upgrading your boat for the next fishing trip, we have the finance option to help. For business owners we can assist with Business In...vestment, Commercial Property, Vehicle and Equipment Finance. GENERAL INSURANCE Our General Insurance team can quote on all types of policies including car, boat, home and any type of business insurance, as well as reviewing options to make sure you have appropriate cover. HEALTH INSURANCE Your health is your most important asset, and it may be a good time to review your private health insurance. Astute Simplicity Health offer sound advice, great coverage, and the personalised service from a dedicated team. FINANCIAL PLANNING In uncertain times it is important to have a plan. Our network of Financial Advisers can tailor solutions to suit your specific needs encompassing superannuation, debt management and investments, supported by appropriate personal insurances to provide certainty for the future. If you would like an obligation free chat to review your needs and goals, contact us today

23.01.2022 Housing affordability constraints in major cities had seen the shift to regional Australia start to gain momentum... the pandemic and remote working accelerated that trend.

23.01.2022 At its meeting today, the Board decided to maintain the current policy settings. Read more about it here: https://www.rba.gov.au/media-releases/2020/mr-20-18.html And remember if you need a hand with your loans, or just an ear to chat, let us know

23.01.2022 There are five kinds of shoppers that have emerged since COVID-19: Which one are you? https://thenewdaily.com.au//coronavirus-shopping-five-typ/

23.01.2022 At its meeting today, the Board decided to maintain the targets for the cash rate. "In Australia, the economy is going through a very difficult period and is experiencing the biggest contraction since the 1930s. As difficult as this is, the downturn is not as severe as earlier expected and a recovery is now underway in most of Australia. This recovery is, however, likely to be both uneven and bumpy, with the coronavirus outbreak in Victoria having a major effect on the Victorian economy." You can read more from the RBA here: https://www.rba.gov.au/media-releases/2020/mr-20-20.html

20.01.2022 Increasing your car's fuel efficiency can help your bank account and the environment. Here's how you can start. https://www.abc.net.au//driving-tips-to-save-mone/12566182

20.01.2022 Does home insurance cover you for storm damage or coastal erosion? https://www.moneymag.com.au/home-insurance-cover-storm-dama

19.01.2022 If you're spending more time at home lately, you might be in for an unexpected shock when you get your next energy bill. https://www.abc.net.au//how-to-deal-with-energy-b/12398138

19.01.2022 From toddlers to teens, there are money management skills you can teach your kids. https://www.moneyandlife.com.au//5-ways-to-set-your-kids-/

17.01.2022 What makes this scam so effective is that it lowers your guard why would a scammer send you more money than you need? Read more about this sneaky scam.

17.01.2022 How to make a face mask without a sewing machine https://www.lifehacker.com.au//face-masks-without-sewing-/

17.01.2022 Do you have any tips on how to deep clean your house? Do they differ to everyday cleaning? https://www.bhg.com.au/how-to-deep-clean-your-home

16.01.2022 Have you seen the recent car adverts promoting Guaranteed Future Value? It seems like a good idea, so what does it all mean? What should you be aware of? Simply put, this tactic attempts to leverage your fear that your new car will fall drastically in value, especially when your finance contract has a balloon payment (i.e. a large final repayment at the end of the finance contract). It also puts the dealership in a position to control the second market by forcing you to co...me back to them for your next purchase, effectively giving you less choice and often under the guise of supporting their brand. If you are considering this type of guarantee, take time to review all your options and consider the following important points when making your decision: You may have less choice next time you want to trade this car as you must return to the same dealer. If you elect to go to another dealership, and your balloon payment is above the real market value, you may have a negative equity position and may need additional finance to assist paying the remaining debt. Dealers may seek to recover any shortfall in the real value of the car by charging full retail price on your next purchase, accessories, finance etc. This means you may have fewer opportunities to negotiate on price as the money must come from somewhere! Generally all maintenance must be completed by the dealerships workshop as a condition of the offer, often at a higher cost than competitors. There will be return conditions on the contract capping kilometres travelled and allowing for only fair wear and tear on the vehicle. Failure to comply will void the offer or may require you to pay a make up payment. There may be a sunset clause - a date the guarantee offer must be taken up by or it will lapse. This may encourage you to consider upgrading your vehicle earlier than you would like to. Independent resources such as Red Book (www.redbook.com.au) can be used to see how specific car models depreciate over time and help ensure balloon values on finance contracts are realistic without locking into arrangements that may not suit you in the future. An experienced finance broker is well placed to assist you and will have access to a variety of finance options and structures that can be tailored to best suit your needs. So if you are considering upgrading or purchasing a car, contact us today!

16.01.2022 Budgeting isn't always easy. What are your tips to budget effectively? https://www.abc.net.au//the-anti-budgeting-way-to/12445280

15.01.2022 With interest rates at an all-time low, and many lenders fixed rates lower than their variable options, locking in an interest rate on your home loan to guard against possible future fluctuation may be attractive. However, it pays to know the ins and outs of fixed-rate loans before committing to one. Fixed-rate loans usually come with a few provisos: borrowers may be restricted to maximum payments during the fixed term and can face hefty break fees for paying off the loan ea...rly or switching to variable interest during the fixed-rate period. However, locking in the interest rate on your home loan can offer stability. Fixed rates are locked in for an amount of time that is prearranged between you and your lender. In addition, you might consider the possibility of arranging a split loan. This option allows you to split your loan between fixed and variable rates either 50/50 or at some other ratio. This can allow you to lock in a fixed interest rate on a portion of your loan, while the remainder is on a variable rate which may give you more flexibility when interest rates change and potentially minimise the risks associated with interest rate movements. Be aware that at the end of the fixed-rate term, your loan agreement will include information about how the loan will then be managed by the lender, usually to a revert variable rate which may not be the lowest the lender offers. We understand that each persons circumstances are unique. If you want more information on what type of loan might best suit your circumstances, please send us a message.

14.01.2022 Do you plan on dining in fancy restaurants abroad each year, exploring Australia in a camper van, or simply pottering around the house and garden? If you'd like to plan for your future you want, and speak to one of our network of Financial Advisers, please let us know. https://thenewdaily.com.au///11/retirement-how-much-money/

14.01.2022 Does pausing payments affect your credit score? https://www.moneymag.com.au/payment-pause-credit-score

13.01.2022 With 2020 now in the rear vision mirror many will feel that the rule book has been thrown out the window or perhaps changed forever. Certainly we have applied different meanings to words like ‘pivot’ and ‘Corona’ (no longer just a Mexican beer or an old Toyota), seen adoption of new technologies from online meetings to fast tracking vaccine development and marvelled at how business owners have adapted, thought laterally and not only survived but in some cases flourished. But... we can’t help but be reminded of the old adage ‘if you fail to plan, you are planning to fail’ and feel it remains true today regardless of recent events. Traditionally at New Year business owners will take pause, plan strategies for the next 12 months, prepare tenders for new work contracts and look for new opportunities and plan capital expenditure needs. Australia has been less impacted by the COVID-19 pandemic than some other countries and as we start to see border restrictions relaxed so too is the stimulus being offered by Government changing. Initially in March stimulus was offered widely and (rightly so) was all about survival, maintaining jobs and cashflow. As we move into Phase 2 stimulus the support has become more about a long-term view, providing support to businesses to assist with job creation. So what does this look like, how can your business benefit, who can help you? This year more than any is a time to plan! In an economic recession a key necessity to ensure recovery is the availability of credit, and the Phase 2 stimulus is targeted to assist business get the funding they need. This support is being offered through lending institutions to business in a variety of ways, some offer cheaper rates or fee discounts, others have expanded their policies to require less security or to finance more specialised assets. As part of your planning this year engage your finance broker to explore the options available to you in the market and let’s work together to make 2021 a much better year for all.

13.01.2022 Pent-up demand from buyers around Australia is prompting rises in regional property markets across the country despite the pandemic recession.

13.01.2022 Some plants can be really harmful to your pets. So if you're headed out on the weekend for new indoor plants, here are six pet-friendly ones you might want to try.

13.01.2022 We often only pay attention to student debt at tax time when we are reviewing our tax returns. Here's a bit more about how it all works.

13.01.2022 Keen to save money on your domestic or business insurance? Want to ensure you have the cover you really need with the assistance of our qualified General Insurance Brokers? Contact us today.

12.01.2022 Next time you see an advertisement online, think a little bit more critically about whether what they’re selling or promoting is too good to be true and what they’re getting out of it (because ads are definitely not free)!

12.01.2022 A little planning can go a long way in the great outdoors.

11.01.2022 Want to sell your car faster? Auto photographer Easton Chang shares his tips to make your listing stand out

11.01.2022 Here are 7 ways to ensure over spending isn't your undoing. https://www.moneyandlife.com.au//dont-let-overspending-be/

10.01.2022 Comparing apples with oranges doesnt make sense. To make finding the right loan easier, and to make advertised rates as transparent as possible, we have comparison rates. Youre looking for a great mortgage deal and you see an ad 3.8% INTEREST!, underneath that is 7.9% comparison rate. What does this mean? What is a comparison rate? A comparison rate aims to indicate the true cost of a loan.... A comparison rate is designed to help you understand the overall cost of a loan based on several relevant factors, rather than just the interest rate. Each comparison rate is calculated using a standard formula: Amount of the loan ($150,000) Interest rate Loan term (25 years) Repayment frequency Fees and charges such as Establishment, Valuation, Exit Costs, Mortgage Documentation and Settlement fees It also takes into account loans with a lower introductory rate that revert to a different interest rate after a set period of time. Why its important The goal is to help you make a more accurate comparison when considering different loans. Ensuring all lenders use a standard formula comparison rate makes it much simpler to hold two loan products side by side and see at a glance which one is the better deal financially. Why you need to be careful While comparison rates can be a good starting point, theyre not the only thing to consider. If your loan is going to be for $900,000, the comparison rate for your loan could be vastly different to the standard one. Loan features and benefits, short and long term goals, and product flexibility are just some of the other factors that need to be taken into account. Comparison rates are a very handy tool. Its important, however, to look at a rate that is specific to your circumstances. One of our friendly Finance Brokers can do exactly that for you, and also ensure your goals, lifestyle and personal circumstances are considered before taking a loan. So why not contact us today to compare?

10.01.2022 Today is #RUOKDay. Its a simple question, but just asking it could lead to a conversation that changes someones life. Learn how to keep the conversation going at www.ruok.org.au.

09.01.2022 Are you a high income earner? Take out hospital cover with Astute Simplicity Health and avoid paying the Medicare Levy Surcharge* Contact us today or call the team on 1300 090 960 to find out more and to compare your cover.... *The Medicare Levy Surcharge is levied on Australian taxpayers who earn above the income tiers and do not hold an appropriate level of private hospital insurance. Other conditions may apply. See website for details. Health Insurance products are underwritten by St Lukes Medical and Hospital Benefits Association ACN 009 479 618 (St.LukesHealth), a registered private health insurer, [trading as Astute Simplicity Health] and members are introduced by Astute Financial Management Pty Ltd or related entities (collectively known as Astute) for which Astute receives a commission.

09.01.2022 Creating new habits is hard. With these three simple steps you can be underway to building good financial habits in no time. https://www.moneymag.com.au/retrain-brain-bad-money-habits

09.01.2022 Property auctions are full of terms that can easily confuse the uninitiated. You've got dummy bids, vendor bids, proxy bids and more. Here's a glossary of auction terms you should know before you start bidding. https://www.moneymag.com.au/glossary-auction-terms-definiti

08.01.2022 We're with you throughout your life, providing financial solutions to suit your unique circumstances.

08.01.2022 Call, email, or message us for more information.

08.01.2022 Storms have already caused damage across Australia this year. Here are eight simple things that you can do now to prepare your home and help reduce the potential damage caused by severe storms . https://www.ses.nsw.gov.au//simpl/prepare-for-a-storm-now/

08.01.2022 "The Reserve Bank of Australia has flagged keeping the official interest rate at a historical low for the next three years." With these incredibly low interest rates, now's a great time to review your loans. Send us a message to find out more.

08.01.2022 Spring is just around the corner so that means spring cleaning is in order! Here are some tips to help get you started. https://www.homestolove.com.au/how-to-spring-clean-your-hom

08.01.2022 The most common New Year’s resolution set by 59% of us - is to exercise more. But research suggests the way we typically set goals in exercise often doesn’t work. So, what should we do instead?

08.01.2022 Despite decades of public health campaigns, skin cancer remains a major threat to health in Australia, with more cases diagnosed each year than all other cancers combined. Here's some common myths busted.

07.01.2022 Millions of households face higher energy bills this year as a result of stay-at-home orders, but there are ways to soften the blow. Here are three ways to prepare for a larger energy bill. https://thenewdaily.com.au//23/energy-bill-shock-coronavi/

05.01.2022 Do you know how much money you need to save by every age to retire happily? https://www.lifehacker.com.au//how-much-should-you-have-s/

05.01.2022 Since we are all spending more time at home due to COVID, how often are you washing your bed sheets? https://www.bhg.com.au/how-often-should-you-wash-bed-sheets

04.01.2022 The events of this year have encouraged more of us to plan an exploration of our own backyard this spring and summer. Whether its to the bush, mountains or out on the water, well all be spending more time out and about in our great country. The first step to your next adventure may be to buy a caravan, camper trailer, motorbike, boat or jetski - and we have a range of competitive finance options to assist and can even handle your insurance. Often more competitive than a p...ersonal loan, leisure finance also has flexible terms and can be structured to meet your specific needs. Need a car to get you where youre going? While buying a new caravan or jetski can be exciting, you may need more grunt from your vehicle to get it to your destination and buying a car can be a drawn out and stressful experience. You may not be aware that we have access to a car buying service to find, negotiate and buy the car youre looking for. We can find the car you want at a great price and have it delivered to your home or office for a test drive. We can even handle the trade-in of your old vehicle. If youre keen to explore our wonderful country this summer, contact us first. We can apply to have your finance pre-approved allowing you to shop with confidence, knowing exactly what you can afford and letting you focus on more important things like planning the perfect local getaway.

04.01.2022 How to ensure you aren't making these 5 common financial mistakes. https://www.moneyandlife.com.au//5-common-financial-mista/

02.01.2022 Selling your unwanted stuff online is a great way to earn extra money and reduce waste. What have you sold online? https://www.moneymag.com.au/how-to-make-money-selling-stuff

01.01.2022 Caravan and campers are more popular than ever with restrictions to travel. If you need finance for your new purchase, we can help get you preapproved so you can shop with confidence.